Car insurance companies using cookies to dupe me?

voyagerman

My experience with most insurance people on the phone is that they operate on a very mechanical black and white level. Hard work.

Dman I don't need this.

There must be something I can do?

Because even if I start calling around insurers now, every time they check will leave a mark on my credit score and insurance history?

paddyandstumpy

Every quote you apply for will leave a soft search on your credit history, they can only do a hard search if you are applying for credit (i.e. If you apply to pay by direct debit).

Did the quote you had at £1500 include the conviction?

voyagerman

Yeah it did.

GingerBob_3

paddyandstumpy wrote: »

Well that's tosh, as the false details won't return correct credit score or electoral role detail. Just to name two enrichment factors used in rating.

Dummy quotes allow you to look into the relative difference between two variables (i.e. Different cars) but it's only the percentage difference which should be taken from dummy quotes, not actual values.

Is it? So how come I always do it, and it nearly always checks out? The quotes for the bogus data are within a whisker of the genuine thing, usually the same. Insurance companies don't have access to credit data for the purposes of delivering a quote.

paddyandstumpy

GingerBob wrote: »

Is it? So how come I always do it, and it nearly always checks out? The quotes for the bogus data are within a whisker of the genuine thing, usually the same. Insurance companies don't have access to credit data for the purposes of delivering a quote.

For such a conspiracist, bless you for believing that.

Did you know the supermarket brands that sell insurance and have loyalty card schemes also rate on your usage of those? You probably didn't know, but they do.

GingerBob_3

paddyandstumpy wrote: »

For such a conspiracist, bless you for believing that.

Did you know the supermarket brands that sell insurance and have loyalty card schemes also rate on your usage of those? You probably didn't know, but they do.

Haha very funny. It wouldn't surprise me, given the usual cockeyed statistics your average actuary vomits up.

forgotmyname

Recently bought my little one a car and i sat there with the autotrader site open and put virtually every car that looked suitable. within a few miles from here.

The only change was the cars reg. Obviously looking to see whats cheap to insure and what is not. No other changes. After a while a car came up unable to quote, tried a few more and the same thing. I did another quote with a car that i had already tried and the same result.

They had banned me from getting quotes.

I contacted them and they did unblock me without any hassle when i said its a new car for a first time driver and the insurance price is more important than the actual car. They just said 50 quotes in less than an hour was rather excessive.

Im like a machine with repeated tasks, how long does it take to scroll down a car on the autrader site and read the reg them pop it into the comparison?
Get the price write it down and then click back and then to the autotrader box again.

Obviously less than a minute. So 50 is not excessive to me, I have another 100 pages of cars to view

austonic

To avoid tracking in future, use a virtual machine (fresh for each enquiry, takes seconds to reinstall) and a free vpn (virtual private network) so you have a different IP address each time.

The virtual machine can be created on Windows, macOS or Linux using the free Virtualbox software.

Install and configure a Linux virtual machine (you can install Windows if you prefer, but that's more long winded and takes up a lot of resources). Once setup as you want, clone it each time you want to do any enquiry and do all your work in the browser in your clone. Delete clones after use. Don't forget to keep any notes etc on the host (real/original) computer.

You will find the free Oracle virtual machine software at www dot virtualbox dot org - sorry, can't provide live link because I'm too new.

forgotmyname

I use VMWARE.

But wouldnt it be best to just input the truth and save the reference it gives you when getting a quote.

I stopped doing random quotes because it always pushed the price up. No i only do the quote when its approx 2 weeks away from renewal and make no changes to the policy. Comes back with a fair price and i go to my insurer and say beat that.

csgohan4

voyagerman wrote: »

Well I had to post this..
I don't want to give out too much info on here as god knows who's looking, but I do have a DR10 from motorbike (I have learned my lesson now).

I retsrated Firefox, cleared cookies and cache, maybe they are still using my IP address.... Because a DE10 should not be insulting me as much as this?!


(edit can't post link as new user - but it's a screen grab saying it's going to be between £5,500 and £23,500 to insure on a 1.9l 2001 3 series.

When you insure a car/ bike you need to declare all convictions and accidents. Not doing so invalidates your policy and therefore you will be left with a large bill should be at fault for an accident.


What did you hope to achieve by not declaring the conviction?


Insurers are not stupid, they won't be 'taken for a ride'